Do You Need Full Coverage on a Used Financed Car?

car insurance paperwork with car key

If you’re in the market for a new-to-you vehicle for your Mesa commute, then you’re probably wondering if you need to purchase full coverage insurance. So, do you need full coverage on a used financed car? In most states the answer is no. Most Chandler drivers only need proof of liability insurance before they can drive off the lot. Learn more about how to finance a used car with Berge’s Riverview Toyota below, or contact our team if you have any specific questions about auto insurance.

How to Finance a Used Car

Most states won’t require Gilbert drivers to have full coverage insurance to drive off the lot in a new or used vehicle. However, the lender drivers choose for their loans may require full coverage insurance to protect their investments. If you’re considering getting a loan from a bank or a private lender, check the terms of your agreement to see if you need full insurance coverage on your vehicle.

For most cases, full coverage insurance is contingent on the full term of the finance period. This means that your used vehicle would need to have full coverage insurance for the duration of your loan term.

How Many Years Can You Finance a Used Car?

When you apply for financing for a new or used vehicle at a Scottsdale dealerships, you’ll need to provide certain information to the finance department so they can contact lenders on your behalf. To begin the car buying process, you’ll need to provide the following:

  • Valid Driver’s License
  • Valid Car Insurance Card
  • Any supporting financial documentation (i.e. last two pay stubs)
  • Any existing vehicle documentation for your current vehicle (if applicable)

How many years can you finance a used car? That will depend on a few different factors. Factors like your credit score and the amount you’re able to put as a down payment will affect how long or short your loan term will be. The average loan term for a used vehicle is around three to five years.

Get a Used Vehicle at Berge’s Riverview Toyota

Let the finance experts at Berge’s Riverview Toyota help you find the perfect used vehicle for your Mesa needs and get you the loan term and insurance coverage you need to be compliant with the law and your lender. Apply for financing today to receive and offer and begin the car buying process!

More from Berge’s Riverview Toyota

  • 2021 Toyota Corolla Trim Levels

    The new 2021 Corolla trim levels, or as they’re often called, Toyota Corolla configurations, offer a whole lot to love. And they should. There are, after all, nine unique options to choose from! Whether you opt for the base Corolla L or the aptly-named top-of-line Corolla Apex Edition, you’re sure to find something to love….

  • 2021 Toyota Camry Trim Levels

    Looking for a versatile new midsize sedan that’s jam-packed with desirable features? From the Toyota Safety Sense™  suite to the latest infotainment & smartphone integration, not to mention ample luxuries, the Toyota Camry has it all! But which one of the Camry trim levels will you need to choose to get what you want? Find…

  • 2021 Toyota Corolla Interior

    The new 2021 Toyota Corolla is unlike any other Corolla that came before it. Boasting upgraded features, performance, and connected services for Mesa drivers, the Corolla has everything you want out of your next compact sedan, including, dare we say, one of the nicest interiors in its class. While the 2021 Toyota Corolla interior is…

Saved Vehicles


You don't have any saved vehicles!

Look for this link on your favorites:


Once you've saved some vehicles, you can view them here at any time.

Contact Us

(480) 800-4319

Call Now

2020 West Riverview Auto Drive • Mesa, AZ 85201

Get Directions

Today's Hours:

Open Today! Sales: 8am-8pm

Open Today! Service: 7am-4pm

Open Today! Parts: 7am-4pm

Berge’s Riverview Toyota 33.434861, -111.870447.